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compare auto insurance quotes 300x180 Why is there the need to compare auto insurance quotes?

Compare auto insurance quotes- Its your need to save.

Kriste Aivston : Why is there the need to compare auto insurance quotes and review car insurance coverage?

Need to compare auto insurance quotes, review car insurance :

Compare auto insurance quotes, review car insurance coverage

Response :P lease read my link and you will get the basics of the need to compare auto insurance quotes or review car insurance coverage.

Need to compare auto insurance quotes for green enviorment

The other reason to compare auto insurance quotes is because the insurance field is very active and any modifications in the life-style, ecosystems or technology would bring variables in the insurance. Since the “green” industry is promoting a better environment and environmentally friendly technology, the Insurance Industry is promoting the “green” industry and its products (i.e.: hybrid cars). About 37 percent of the USA insurance companies are among the 244 insurers, reinsures and insurance organizations in 29 states which have introduced eco-friendly products and services; as per Insurance Information Institute.

< H3> New changes in Personal lines raises need to compare auto insurance quotes

The personal lines automobile insurers have been bringing in new auto insurance rating changes and measures using the ground-breaking technological changes. You can get a low auto insurance rate, since the insurance companies compete with each other; you are given an opportunity to get low auto insurance rates. The new technological devices with rapid expansion of web have introduced new automobile rating ploys. New car insurance programs are designed which are called “pay as you drive”. (PAYD). Only if you drive less, you can get decreased insurance quotes rather than having a cast-iron auto insurance quote. If you belong in this category, then it is time you were rewarded. The smaller quantity of mileages you use, the less chances of auto collisions come about. Progressive Insurance has already started this in the state of Ohio. There are a variety of devices like the odometer, the GPS, the web and others used for tracking the mileage and a number of such programs by the insurance companies. Information on the usage of the car would be generated from the devices which have recording facilities. This recording would give the insurance companies details of the car usage on which the policy discount will be calculated. One needs to compare auto insurance devices used for rating when you sit down for online car insurance comparison, since the devices needs to be most appropriate for your needs.

Compare auto insurance quotes for auto insurnace discounts

There is need to compare auto insurance quotes since the insurance companies would be offering you auto insurance discounts on the hybrid cars. Before thinking of buying a new car in the New Year, one should keep these factors in mind. Hybrid cars help you save cash, get the best insurance rates, and help the environment. It is safe to remember that top safety picks for 2010 would depend on “Cheap auto insurance quotes for top safety picks for 2010. Pick up the gift the auto insurance companies are offering and get your best car insurance rates.

The key is compare auto insurance quotes and review car insurance coverage you will get results in form of low auto insurance and best car insurance coverage.

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Tiger Kenedy : Why should one compare auto insurance quotes with differnet dedutibles?

Compare auto insurance quotes with different deductibles is a good idea.

Response : It is a very good idea to compare auto insurance quotes using different deductibles and this can be done really easily. Let me give you examples to make it absolutely clear as to what is the effect of different deductibles on the auto insurance quotes. First let us understand what a deductible is.

What is an Auto Insurance Deductible?
A deductible is the amount of money you are responsible for paying in the event of a physical damage claim on your vehicle. The insurance company pays for the cost greater than the deductible to repair your car. If the total cost to repair the damage to your car is less than the deductible, you are responsible for paying for all the repair costs.

Secondly, deductibles are only paid for physical damage claims for your vehicle, not liability claims. So if you are found liable (at fault) for damage to another person’s car or injury to another person in an accident, you DO NOT have to pay a deductible.

Likewise let me also clarify that comparing different deductibles is a good idea only if you are going to take the own damage coverage of the auto. Incase you are not opting for own damage or comprhensive coverage which is another name given to this, than there is no use comparing deductibles and this option would not be given online.

There are several deductible amounts you can choose when selecting an insurance policy. The amount generally ranges between $250 and $1,000. Generally, a higher deductible will lower your insurance rate. You should choose the highest deductible you can afford. Keep in mind that the deductible is paid each time a separate claim is filed. The deductible amount is the amonut that you will have to bear each time you report an auto insurance claim. If you report three damages or place three claims in a year, you will have to pay three deductibles.

Example 1: Frank has a $1000 deductible for the physical damage coverage for his car. Frank crashes his car with a neighbours fence causing $3,000 in damage to his car. Frank would be responsible for paying the first $1000 to repair his car. Frank’s insurance company would pay the additional $2,000. It’s important to note that the cost to repair the neighbor’s fence would be covered by Frank’s liability coverage.

Example 2: Allison has a $250 deductible for the physical damage coverage for her car. Allison accidentally backs into her neighbor’s mailbox at a slow rate of speed, causing only $100 damage to fer car and no damage to the neighbor’s mailbox. Since Allison’s deductible is $250, she is responsible for all the repair costs associated with the accident. Her insurance company would only pay for damage in excess of $250.

Remember, the number of claims you file is held against you in the form of additional cost for insurance in the future. Also, insurers may sometimes choose to non-renew your policy after the initial policy term is up based on your previous filing claims. Circumstances can vary greatly, but it is a good idea to pay for all small damages to your vehicle with your own money.

It would be smart to opt for a higher deductible if you are a good driver and so you can save on your auto insurance premium and would get a low auto insurance rate or premium.

Happy Motoring.
thanks.
Kamlesh

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Julie Perry : I am constantly hearing that you need to compare auto insurance quotes, can you tell me what collision insurance is and how to compare this between different insurance companies.

Response : Julie, yes, I know that every blog post or online article is screaming the headline Compare auto insuranceor Compare car insurance” and so any person would naturally think that this is just a way for the marketer to make money or to get information of the client. Believe me, this information can be easily got in many other ways. However, this is a great tip which is over used, but a good one since it can save you money. What is more only the customer is most aware of what he or she wants and therefore you should be educated? I honestly believe that just like driving lessons, the basics of car insurance should be taught to each individual.

Well, let me explain collision insurance. Collision insurance is an important own damage coverage for auto insurance.This is for your car. Supposing you buy a new car, go for your business meeting and park your car in your client’s premises. Someone in the parking lot collides with your car and damages it. This is when collision coverage will pay you for the damages. In its simplest definition, collision auto insurance protects the driver financially in the event of an auto accident that causes damage to one’s auto. Auto insurance pays for damages incurred to the car in a collision, minus deductible. Collision would also pay if you collide with another car or auto. Remember that pothole damage to your car is also considered collision damage. For collision there will be a minimum deductible amount and if you want to waive this you will have to pay a higher premium.

Collision auto insurance can cover a wide range of circumstances. For example, damage to one’s car as the result of striking a telephone pole, driving into a cement pillar in an underground parking lot, or a hit and run accident while the car is parked in a parking lot.

Julie, all insurance companies will have the same coverage for collision auto insurance but the only thing that you need to compare for this coverage is the auto insurance rates and discounts for opting for higher deductible. The second important thing you need to pay attention is and compare auto insurance policy is for the condition of settlement of claim for collison since this might differ from each company. Some settle on actual cash loss basis while some settle on market value basis.

I am sure now you do not hate the words “compare auto insurance quote or compare auto insurance rates, or compare auto insurance coverage and fully understand what they mean.
Thanks.
Kamlesh.

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